You will be surprised at how popular pet insurance is becoming. More and more people are discovering the value a pet can bring to their lives. With this in mind, pet insurance is a valid option for those looking out for the health and well being of their pet. But exactly how much does dog health insurance cost and are you able to afford it?
All types of dog health insurance companies base their rates and charges on the information you provide them with and those they themselves inspect. This information is collected during the application process and considered when your application is submitted to determine your quote and premium.
Dog health insurance companies take various factors into account when determining your monthly premium:
Plan type
Dog health insurance companies are quite similar to other types of human insurance. Dog health insurance makes use of different types of plans that offer different levels of services. The different levels will have different deductibles and different covered services. In other words, the better the service you choose, the more your premiums will be.
Pet species
The species of the pet can make a big difference on the price of your premiums. In most cases, bigger animals seem to have more costly services and treatments. This could be because the bigger the size of the animal, the more stress on the body. Or maybe smaller animals just move better. Regardless, pet insurance for a cat is almost guaranteed to be cheaper than dog health insurance.
Breed
The breed of your pet can influence the cost of the dog health insurance premium. This is especially true if you have liability coverage as part of your overall dog health insurance. Breeds such as pit bulls generally get into alot more trouble that others, therefore liability should be open to the owner and the dog health insurance company they choose.
Size
As mentioned above, the bigger the animal, the bigger the quote will be. This is simply because bigger animals are usually more prone to accidents and health problems that their smaller counterparts.
Age
This is an important aspect in all dog health insurance applications. The older the pet, the more its health insurance will be. This is because older pets are more prone to illnesses and injuries. Many dog health insurance companies have a maximum age an animal should be in order to be covered. Older pets are usually not covered. However, if you start the dog health insurance when the animal is younger and they grow past the current age limit, they will then still be covered.
Author bio
This article was written by Bow Wow Insurance and offers insight into dog health insurance.